KBLI 65132

Sharia Guarantee Services

Penjaminan Syariah

🏦 Section K — Financial & Insurance Activities

In Bali: open to a PT PMA

✅Open· 100% ForeignHigh RiskNew in 2025Registrable in Bali· medium conf.

This covers providing Sharia-compliant financial guarantees for obligations like Islamic bank financing, loans from savings and loan cooperatives to their members, and partnership loans by state-owned enterprises. The guarantee ensures the financial obligation is met according to Sharia principles.

What Changed

KBLI 2020→2025 mapping: bps only.

What You Need

Nationally, this KBLI is open 100% to foreign PMA. In Bali, it is not blocked by the local moratorium but is classified as medium-high/high risk, so registration is possible only after address-level verification to ensure compliance with the risk profile.

Who This Is For

Foreign entrepreneurs in Islamic finance or fintech who want to offer Sharia-based guarantee services for lending and partnership programs.

Licensing Overview

Risk LevelTinggi

License TypeNIB + Izin

Foreign Ownership100% Open

ProcessingSesuai ketentuan OJK/BI

Common Questions

Can foreigners operate a sharia guarantee services business in Indonesia?

Yes. KBLI 65132 (Penjaminan Syariah) is TERBUKA — open to 100% foreign ownership via PT PMA. No local Indonesian partner required.

What license is required for KBLI 65132?

KBLI 65132 has a Tinggi risk classification. Required license: NIB + Izin. Processing time: Sesuai ketentuan OJK/BI.

What is KBLI 65132?

KBLI 65132 is the Indonesian business classification code for "Penjaminan Syariah" (Sharia Guarantee Services). It falls under Section K of KBLI 2025, the Indonesian Standard Industrial Classification updated by BPS (Regulation 7/2025). The June 2026 KBLI 2025 transition window has closed; operators should verify the code's current OSS/NIB treatment before relying on it for licensing, reporting, or amendments.